We believe in a comprehensive approach to integrated financial planning for all clients. These are our Financial Planning Principles.

Financial Health

Budgeting and Debt Management – paying yourself first
Maintaining adequate emergency reserves
Target Saving 20-25% of gross income across varying time horizons and strategies

Risk Management

Life Insurance and Disability Income Planning – protect your future earnings and economic value
Health, Home, Auto, Umbrella Insurance – review coverage to protect personal assets and net worth
Estate Planning (Wills, Beneficiary Designations, and Trusts) -protecting and transferring wealth

Wealth Management

Financial Goal Funding – making every dollar work
Creating an Investment Policy Statement
- Asset Allocation designed to drive long-term performance
- Diversification across various asset classes can help reduce portfolio risk*
- Rebalancing Strategy to systematically buy low & sell high
- Tax Management – tax loss harvesting, asset location, conversion strategy

Retirement Income & Distribution

Optimize your assets to create predictable & tax-efficient income
Long Term Care Planning – help protect balance sheet from healthcare/long-term care costs
Longevity Risk – guaranteed income streams can help avoid outliving your assets
Legacy planning – multi-generational wealth transfer planning

*Review and update your financial plan annually. Build a partnership with a team of experts across specialties (tax, estate planning, insurance, etc.)

Our Approach